Credit card -- Getting a credit card -- Complaint #7683993
Complaint Overview
Complaint ID: 7683993
Company: Synchrony Financial
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: Arizona
ZIP Code: 857XX
Date Received: 2023-10-11T12:00:00-05:00
Date Sent to Company: 2023-10-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Syncrony bank pays dental office clerks a commission to open accounts on the Syncrony Care Card. This is nothing but a high interest credit card that can be used for anything. On XXXX, XXXX week before my implant procedure, XXXX XXXX, the dental clerk for XXXX XX/XX/XXXX asked me if I wanted to see if I would be approved for this card, based on the estimated cost, {$8200.00}. I stupidly gave her my SSN. She said that I was approved, and never gave me any specs or info on the card. She said it had 7 % interest when it is really 26 %. I said that I would look into it. I had a secured loan option that was much better. On XX/XX/16, I had the procedure. When leaving I asked XXXX, what about the bill? She said not to worry I already paid. When I got home, I immediately checked my credit. An account was opened at synchrony bank for a " care card '' and there was a purchase for {$8200.00}, the estimated charge. It was obvious that XXXX opened it with my SSN and charged {$8200.00}. There was a receipt buried in my other paperwork. The rate was 26 % but 16 % for the first 3 years. I called synchrony bank 100 times and finally got a fraud dispute opened. 2 months later, I was denied due to the huge conflict of interest. I appealed. 2 months later I was denied. Sometime during these 4 months, synchrony reversed the dental charge of {$8200.00} and hit me with a charge for {$8200.00} as a general purchase from synchrony bank. This way, the interest would be 26 % from the start. XXXX. Just recently I got an email from synchrony saying that I was getting a new card with the 26 % and $ XXXX in debt. In the dispute XXXX made a forged copy of the receipt with my signature on it which they had on file. This all happened so XXXX could get her commission and the bank its interest. I just want the transaction reversed and the money sent back to synchrony. She can keep her money.
Frequently Asked Questions
What is Complaint #7683993 about?
Complaint #7683993 was filed against Synchrony Financial regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-10-11T12:00:00-05:00.
How did Synchrony Financial respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Synchrony Financial?
Yes, visit the Synchrony Financial company profile at readthecomplaint.com/company/synchrony-financial to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.